How does a mobile notary service work?

Access to online banking means that we can get car loans, mortgages, and consolidation loans at any time of the day or night. However, many of these loans still need to be notarized. To make sure that those who need to bank at unconventional times can get the help they need, mobile notaries will travel where and when needed.

What does a mobile notary do?

A mobile notary will travel to help borrowers and lenders wrap up the paperwork. Notaries are critical to confirming that agreements such as wills, birth certificates, and property deeds are also signed authoritatively.

If a mobile notary is coming to your place of business to help you take care of paperwork, make sure you have your ID with you. The notarization of documents requires a photo ID to confirm that the signature matches the person.

Also, be aware that you will need to sign in the presence of the notary.

What types of documents can a mobile notary fulfill?

A mobile notary can verify the signature of any signer on documents from a car loan to a trust for your grandchildren. If a document requires your signature and filing as a matter of public record, you will likely need to have it notarized.

It's important to note that a notary's signature doesn't validate a legal document. It validates the signature of the signer as indicated by the notary stamp, date, and notary's signature.

Wills, trusts, deeds, and settlement agreements are all documents that need to be notarized before filing. Additionally, many loan documents need to be notarized before they can take effect.

To become a notary, the applicant must apply with their state of residency and receive their state appointment as a notary. Notaries can notarize documents drafted in other states, but they can't notarize signatures applied in any state outside their certification. These applications to become a notary often require a background check and will likely require an oath or signature on the part of the applicant.

Of most concern at this point in time is that healthcare proxies need to be notified. If you have specific goals or intentions about your healthcare decisions, be sure to share them with a loved one. For those who no longer have a close family member on whom they can rely on for this critical information, a healthcare proxy document is a very good idea.

Finally, if you are concerned that a loved one or family member may object to your healthcare choices due to religious differences or emotional overwhelm, having a notarized healthcare proxy is critical to making sure that your wishes are followed.

How does a mobile notary service work?

If you're signing loan documents, the lending agent will likely connect you to a notary public near you. The notary will probably contact you directly to set up a time and place to meet.

As noted above, you must bring your photo ID to confirm that you are who you say you are before the paperwork can be properly signed. If you think about it, pick up a blue pen so you can confirm your signature wasn't copied onto the document.

For those setting up business agreements or trust documents, the servicing attorney can help you connect with a notary. While many professionals have notaries working in their office, there may be some who need to sign who simply can't get to the office during business hours. In that case, a mobile notary service can easily make an after-hours appointment to get all of the signatures collected and notarized.

Accessing a mobile notary service can also be a good idea in the event of collecting signatures during a contentious exchange. For example, if a divorcing couple needs to get quit-claim deeds signed to complete the divorce paperwork, a mobile notary can save everyone a lot of concern and stress by getting documentation notarized at different locations.

Takeaways

As the banking world changes, the process of documentation has to flex. Having access to a responsible professional who can come to where you are to get your notarized signature can save you time out of your busy day. Additionally, mobile notaries can reduce delays when filing critical paperwork.

This article does not necessarily reflect the opinions of the editors or management of EconoTimes